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Customized Financial Plans

Our process for creating your customized financial plan is meticulous and comprehensive. We spend the time it takes to discover and understand every aspect of your financial picture, discussing and assessing your every goal. We respond with empathy, and without judgment, establishing ourselves as a team with one shared goal — your success.

Your Plan's Areas of Focus

Investment Planning

  • Portfolio Review & Construction
  • Asset Allocation
  • Dollar Cost Averaging
  • Withdrawal Strategies
  • Stock Concentration
  • Investment Research
  • Market Commentary
  • Values-Based Investing
  • Time Horizon
  • Risk Tolerance

Cash Flow Management

  • Budget and Expense Review
  • Real Time Budget Tracking
  • Debt Management
  • Income Sources
  • Planned Large Expenses
  • Emergency Funding
  • Mortgage Review
  • Lines of Credit Review
  • Student Loan Analysis

Retirement Planning

  • Retirement Goal Setting
  • Social Security & Medicare
  • IRA Contributions & Conversions
  • Employer Sponsored Plans & 401ks
  • Annuities & Pensions
  • RMDs & Withdrawal Strategies

Risk Management

  • Review of Existing Policies
  • Life Insurance Term vs. Whole
  • Long Term Care Insurance
  • Disability Insurance
  • Health Insurance
  • Homeowner's or Renter's Insurance Review
  • Liability Coverage

Gifts & Assistance to Loved Ones

  • Education Planning & 529 College Savings
  • Plans Roth IRAs for Children
  • UGMA/UTMA accounts
  • Caring for Elderly
  • Beneficiary Review
  • Inheritance Planning

Estate & Philanthropy

Analysis of Estate Planning Needs Including:

  • Will
  • Power of Attorney
  • Health Care Proxy
  • Trusts
  • Irrevocable Life Insurance Trusts
  • Estate Taxes
  • Guardians for Minor Children
  • Charitable Giving
  • Special Needs Trust

Income Tax Planning

  • Review of Cost-Basis
  • Review Realized Gains
  • Carry Forward Losses
  • Tax Loss Harvesting
  • Deductions & Credits
  • Roth Conversions
  • Health Savings Accounts (HSAs)
  • Flexible Spending Accounts (FSAs)

Business Planning

  • Self Employment Income Planning
  • Self Employed Retirement Plans
  • Employee Retirement Plans
  • Employee Benefits & Insurance
  • Business Tax Planning
  • Business Cash Flow Planning
  • Business Exit & Succession Planning

Customized Financial Plans begin at $2,950 for a 12-month engagement. You are not required to have investments held with Gretchen Meyer Financial to create and/or maintain a Comprehensive or Advanced Financial Plan.

Gretchen Meyer Financial and LPL Financial do not provide tax or legal advice or services. Please consult your tax or legal advisor regarding your specific situation.